emirates skywards logo

Emirates Credit Cards

Earn Skywards Miles on your everyday purchases and redeem flights and rewards with an Emirates credit card.

While Emirates, one of the world’s leading airlines, doesn’t issue its own credit cards, it partners with a few banks around the world to provide co-branded credit cards for Emirates Skywards frequent flyers. In Australia, you can get a credit card that lets you earn Skywards Miles directly as you spend or one that allows you to convert your rewards points into Skywards Miles.

Either way, once you have accumulated enough miles, you can redeem them for rewards including flights and upgrades with Emirates and its partners, gift vouchers and merchandise. As well as the ability to earn and redeem Skywards Miles, an Emirates credit card may offer other benefits such as airport lounge access, complimentary insurance covers and additional cards.

Emirates Citi World MasterCard

Emirates Credit Card Offer

Enjoy up to 10% off Emirates flights, earn Skywards Miles for every $1 spent and a discounted annual fee of $149 for the first year.

  • $149 p.a. annual fee for the first year ($299 p.a. thereafter) annual fee
  • 20.99% p.a. on purchases
  • 0% p.a. for 9 months on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $75,000 p.a.

Comparison of Emirates Credit Cards

Rates last updated October 1st, 2016.

Emirates Citi World MasterCard

Replace bonus points offer with up to 10% off on Emirates flights until 31 December 2016

April 29th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Emirates Citi World MasterCard
Enjoy up to 10% off Emirates flights on your first spend when you book before 31 December 2016. Also pay a reduced annual fee for the first year.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info

What types of credit cards offer Emirates Skywards Miles?

Depending on the credit card you choose, you could either earn Skywards Miles as you spend with a direct earn credit card, or convert accumulated rewards points into Skywards Miles with an indirect earn credit card.

Direct earn credit cards

At present, the only direct earn Emirates credit card available in Australia is the Emirates Citi World MasterCard. The perks of this card include:

  • Earning 1 Skywards Mile for every $1 spent on eligible domestic purchases up to $3,000 per statement period, and then 0.5 Skywards Mile per $1 spent up to $10,000 in that period.
  • Earning 1.25 Skywards Miles for every $1 AUD spent on eligible international purchases.
  • Earning 1.5 Skywards Miles for every $1 AUD spent on airline tickets purchased online at the Emirates website.
  • Two annual complimentary lounge passes for the primary cardholder at any Emirates lounge in Australia when booked on an Emirates flight.
  • One annual complimentary chauffeur-driven service to and from the airport when booked on an Emirates flight.
  • Complimentary international travel insurance and interstate flight inconvenience insurance.
  • Starwood Preferred Guest Gold membership upgrade.
  • World Golf benefits.

If you’re looking for an Emirates direct earn credit card, you can sign up for the Emirates Citi World MasterCard now and enjoy up to 10% off flights if you book before 31 December 2016. You will also enjoy a discounted $149 p.a. annual fee for the first year ($299 p.a. thereafter) and 0% p.a. interest on balance transfers for the first 9 months.

Indirect earn credit cards

If you’re looking for an indirect earn credit card which gives you the option to either redeem your rewards with a credit card rewards program or convert them to Skywards Miles, American Express offers a range of Membership Rewards credit cards that allow you to do just that.

The transfer rate for your points conversion currently stands at: 4 American Express Membership Rewards Points = 3 Emirates Skywards Miles.  Use the table below to compare the American Express cards that let you transfer your Membership Rewards for Emirates Skywards Miles.

Comparison of credit cards that earn Emirates Skywards Miles indirectly

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy 0% p.a. for 12 months on balance transfers and receive a complimentary Virgin Australia domestic economy return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
$1,200 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
20.74% p.a. $99 p.a. Go to site More info
David Jones American Express Platinum Card
Earn 40,000 Membership Rewards points when you spend outside of David Jones 3 times in the first month.
20.74% p.a. $295 p.a. Go to site More info

Note that it takes approximately one business day for the points transfer to be processed. You must also transfer a minimum of 2,000 points or any amount exceeding that in multiples of four.

How to compare Emirates credit cards

You should consider the following factors when considering an Emirates credit card:

  • Earn rate. Each card has a different Skywards Miles earn rate that you should consider in relation to the annual fee. Keep in mind that cards with higher earn rates often come with higher annual fees. For instance, the American Express Platinum Edge Credit Card has an annual fee of $195 but allows you to earn 3 Membership Rewards points per $1 spent at major supermarkets and 2 points per $1 spent at major petrol stations, in addition to the standard 1 point per $1 earn rate everywhere else. Also remember that Membership Rewards will have to be converted to Skywards Miles with an American Express card.
  • Interest rates. This is something you should strongly consider if you intend to carry a balance on your credit card, because interest fees can snowball and accumulate dramatically over time. If you habitually pay off your monthly balances, these interest rates would not be such a major factor.
  • Annual fee. The annual fees for these cards range quite widely, from $0 p.a. for the American Express Essential Credit Card to $1,200 p.a. for the American Express Platinum Card. Make sure that these costs don’t outweigh the value you get from your rewards.
  • International transaction fee. Most of these cards charge a 3% foreign transaction fee but the Emirates Citi World MasterCard charges 3.4%, which might matter if you plan to use the card overseas.
  • Other fees. There are some other miscellaneous fees that you should take note of when choosing a card, including late payment fees, over limit and dishonour fees, as well as cash advance fees and other transactional fees. Similar to the annual fee, consider how you usually use your card to make sure these costs don’t offset the value of the rewards.
  • Complimentary extras. Consider a card’s perks in relation to your own lifestyle and habits. For example, do you need complimentary travel insurance or are you more of the stay-at-home sort? Would you pay $1,200 per year for platinum concierge services that you might not use?

What to be wary of when comparing Emirates credit cards

When comparing your options, be careful to consider:

  • Sign-up offers. Some sign-up offers are enticing with their freebies, but do give long-term factors more weight in your consideration if you’re planning to use a card for some time. For example, you may receive a bigger sign-up bonus with a card that charges a higher interest rate, and the interest fees you end up paying in the long term can easily outweigh the one-time points bonus you enjoyed.
  • Promotional balance transfer offers. This is important if you plan on transferring an outstanding balance from another card. Promotional balance transfer offers usually provide 0% interest rates on your balance transfer for a fixed term, but this rate reverts to the higher cash advance rate once the promotional period is over. This can result in very high interest fees if you’re not careful. Also check to see if there is a balance transfer fee.

Learn more about balance transfer credit cards with rewards programs

How to apply for an Emirates credit card

Applying for an Emirates credit card is easy. All you need is a working internet connection and around 15 minutes to fill out an online application form. First, however, you need to make sure you’re eligible:

  • Age. The general age requirement for these credit cards is 18 year old.
  • Residency. You must be an Australian citizen or permanent resident to apply.
  • Income. The income requirement for each card differs, so please check each credit card page for its specific income requirement.

If you meet these requirements, you can apply online by filling out a form. You will be asked to provide personal information including your name, address and identification details, employment and financial details, as well as your requested credit limit. For both American Express and Citi online credit card applications, you will receive a response in 60 seconds after submitting your form.

With so many options for earning Skywards Miles, you may have a hard time deciding which is the most suitable credit card for you. Remember that what is right for someone else may not be right for you, so you should always compare a card’s features with your personal spending habits, lifestyle needs and goals.

Frequently asked questions

Do I have to be an Emirates Skywards member to earn Skywards points through a credit card?

Yes, you do. For direct earn credit cards, the miles you earn will be automatically credited to your linked Skywards account. For indirect earn credit cards, you will be required to provide your Emirates Skywards frequent flyer account details and submit a request to convert your points. Joining the Emirates Skywards program is simple, and you don’t have to pay a fee.

Can I get an additional card and would it earn miles as well?

This essentially depends on the credit card and the credit card issuer in question. You can usually apply for additional cards, and there’s a very good chance that the additional cardholder(s) can also earn miles to be credited to your frequent flyer account. Note that some cards may charge an annual additional cardholder fee for this option.

When and how many miles would I earn when I use my card?

You earn Skywards miles when you use your credit card to make eligible purchases in Australia and overseas. Your miles earn rate depends on the card you’re using and what you’re purchasing. Credit cards often have different earn rates for different types of purchases.

What can I get for my miles apart from flight tickets?

You can use your accumulated miles for flight upgrades, or redeem them for a variety of store products and travel-related services including car rental and hotel accommodations. You can also put the miles towards popular sporting and cultural events, or even donate them to a charity.

How do I make use of the chauffeur-driven transfer?

Purchase your Emirates flight ticket using your Emirates card, then make your booking with the Emirates reservation office a minimum of 72 hours prior to departure. Mileage restrictions may apply, and the maximum capacity per car is two adults, two suitcases and one carry-on bag. Extra charges may apply if a larger car or infant car seat is requested. This service is only available if you fly on a Emirates-operated flight number and aircraft, and excludes Trans-Tasman flights, Skywards Miles redemption tickets, travel industry tickets and group bookings. See the Emirates Citi World MasterCard webpage for more details.

Can I use my Skywards Miles to redeem flights other than with Emirates?

Yes, you can use your Skywards Miles towards eligible flight with Emirates partner airlines. These include Air Mauritius, Alaska Airlines, easyJet, Japan Airlines, Jet Airways, JetBlue, Jetstar, Korean Air, Malaysia Airlines, Qantas, S7 Airlines, South African Airways, TAP Portugal and Virgin America.

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38 Responses to Emirates Credit Cards

  1. Default Gravatar
    AJ | August 18, 2016

    Hi there

    Im a new zealand resident and a loyal customer of the Skywards program. I wish to take advantage of the citibank Emirates credit card benefits. Am i eligible to apply for the card being a new zealand resident?

    Cheers

    • Staff
      May | September 2, 2016

      Hi AJ,

      Thanks for your inquiry.

      Unfortunately, only Australian citizens or permanent Australian residents are eligible to apply for the Emirates Citi World MasterCard.

      Cheers,
      May

  2. Default Gravatar
    Tim | July 22, 2016

    Is Emirates/Citi still offering the free 40,000 miles with this credit card?

    • Staff
      May | August 2, 2016

      Hi Tim,

      Thanks for your inquiry.

      At the moment, Citibank does not offer bonus mile/points for their Citi Emirates credit card. Currently, they offer up to 10% off on Emirates flights when you use your new Emirates Citi World Card for flights from Australia to select locations and when you book before 31 December 2016.

      Cheers,
      May

  3. Default Gravatar
    denise | March 18, 2016

    As of March 18 2016 Citibank has changed their points structure from $1= 1 mile uncapped to
    1 mile = 1 mile up to $3000 spend per month, then .5 point per spend from $3000 to $10000, then no miles earnt after this
    as well as
    no miles earn on BPay payments.
    This is disgraceful, considering that my husband & I pay $299 each for this ‘loyalty program’ and we spent big and loved flying Emirates.
    Can you recommend another card which offers the same type of loyalty as Citibank once did, as I will be closing my account down and am sad not be flying with Emirates.

    • Staff
      Debbie | March 22, 2016

      Hi Denise,

      Thanks for your inquiry.

      We are sorry to hear that. However, please note that you’ve come through finder.com.au, an online comparison service and we are not in the position to recommend specific product or issuer as we can only provide general information for credit cards.

      To compare other options, kindly refer to our frequent flyer comparison page.

      I hope this helps.

      Cheers,
      Debbie

  4. Default Gravatar
    ross | October 7, 2015

    I am in Australia, other than Citibank is there any other banks which are Cards tied to Emirates?

    • Staff
      Sally | October 8, 2015

      Hi Ross,

      Thanks for your question.

      No, the Citibank card is the only Australian credit card that currently offers a direct link to the Emirates Skywards frequent flyer program.

      You can compare other frequent flyer credit cards here.

      I hope this has helped.

      Thanks,

      Sally

  5. Default Gravatar
    Daniela | August 22, 2015

    If I spend 1 Australian dollar on a Platinum Edge card does it covert to 1 emirates skyward point?

    • Staff
      Jonathan | August 24, 2015

      Hi Daniela,

      Thanks for your inquiry.
      Currently the conversion is 4 Membership Rewards points = 3 Skywards Miles.
      Kindly refer on this page on how to earn more Emirates Skywards Miles points.
      I hope this helps.

      Cheers,

      Jonathan

  6. Default Gravatar
    mez | August 15, 2015

    i live in US, is there a US CC linked to Emirates? I don’t have Amex so can’t really use Amex membership rewards points.

    Will this card (Emirates Citi World Mastercard) be a good idea in my case? FYI, I make one trip to South Asia from US once a year by emirates and looking for ways to reduce all future emirates airfare. Skywards miles are NOT easy to earn :(

    Thank you!

    • Staff
      Jonathan | August 18, 2015

      Hi Mez, thanks for your inquiry!

      US credit cards partnered and co-branded with Emirates include the following banks; Citibank, Emirates Islamic Bank, Emirates NBD, MBNA. A good way to find out whether a particular rewards card is good for you is calculating the breakeven cost of the card which is the amount you need to spend in order to regain the cost of the annual fee. Please refer to the following link for finding out whether your frequent flyer card is worth it.

      Cheers,

      Jonathan

  7. Default Gravatar
    Flyu | August 6, 2015

    Hi
    I live in the U.S. and work in Saudi Arabia. I have a SABB bank account, is there any Saudi CC that are linked with Emirates

    • Staff
      Jonathan | August 6, 2015

      Hi Flyu, thanks for your inquiry!

      At this point of time our comparison service for credit cards is on the Australian and U.S. credit card products. You may like to contact Emirates directly to inquire further about the eligibility with Saudi credit cards.

      Cheers,

      Jonathan

  8. Default Gravatar
    Mark | June 9, 2015

    Can I link my credit card to a bank account of another bank, I.e. not Citibank?

    • Staff
      Jonathan | June 10, 2015

      Hi Mark, thanks for your inquiry!

      Direct debit payments to a credit card of another bank are eligible. The bank account does not have to be from the same bank/ issuer.

      Cheers,

      Jonathan

  9. Default Gravatar
    Lou | May 21, 2015

    I wish to use it for travel purposes. When I use it overseas how is the purchase charged and what are the fees in involved in changing from the international currency into $Aus ?

    • Staff
      Jonathan | May 25, 2015

      Hi Lou, thanks for your inquiry!

      The international currency conversion fee is 3.4% of the transaction value. Please refer to the following link for a list of credit cards with no foreign currency conversion fees.

      Cheers,

      Jonathan

  10. Default Gravatar
    fawzia | December 8, 2014

    hi.
    I would like to apply for a emirates credit card. I would also like to know which airlines emirates is partnered with. can the skywards points be transferred to other airlines and can i upgrade if i have sufficient points to do so.
    can you please send me the necessary form to fill in.
    regards
    fawzia

    • Staff
      Elizabeth | December 8, 2014

      Hi Fawzia,

      Thanks for your question.

      If you’re interested in applying for this credit card you can click ‘go to site’ on the page above to fill out an online application form. Emirates has quite a few partners through which you can earn and redeem miles. Points can’t be transferred, but as mentioned, you can use your Emirates Miles for flights with other airlines programs. For a full list of partners you can check on the Emirates website, but some notable Australian ones are Qantas and Jetstar.

      I hope this has helped.

      Thanks,

      Elizabeth

Credit Cards Comparison

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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